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The efficiency of four different and representative models of heat engines under maximum conditions for a figure of merit representing a compromise between useful energy and lost energy (the Ω criterion) is investigated and compared with previous results for the same models where the efficiency is considered at maximum power conditions. It is shown that the… (More)

This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the… (More)